Author
Listed:
- Alexander Rauch
- Christina Stadler
Abstract
Die Höhe der Eigenkapitalquote gilt als ein kennzeichnendes Indiz für eine stabile Kapitalbasis bzw. eine Krisenanfälligkeit. Dies gilt insbesondere für kleine und mittlere Unternehmen (KMU), denn diesen mangelt es häufiger als Großunternehmen an einer ausreichenden Eigenkapitaldecke, die sich dann wiederum auf Kreditvergabeentscheidungen negativ auswirken kann. Vor diesem Hintergrund wurden im Rahmen einer empirischen Studie mittelständische Unternehmer bezüglich ihres Finanzierungskonzeptes befragt. Es erfolgt eine Diskussion, ob erstens eine verbesserte Eigenkapitalbasis zu mehr Krisenfestigkeit führt und zweitens, ob weitere Faktoren, wie Management, Hausbank oder Gesetzgebung, darin eine Rolle spielen. Auf Basis der gewonnenen Erkenntnisse werden für KMU Lösungswege für ein erfolgreiches Krisenmanagement aufgezeigt. / The level of the equity ratio counts as significant evidence for a steady equity base or vulnerability to crisis. This pertains particularly to small and mediumsized enterprises (SME) because these businesses are more often lacking in a sufficient cover of equity ratio than big firms which affects the decisions of bank lending in a negative way. Against this backdrop, enterprises were interviewed concerning their financing concept within the scope of an empirical study. Consequently, a discussion takes place whether firstly, an improved capital base leads to a higher level of stability to crises and whether secondly, additional factors like management, house bank or legislation play a role in it. With regards to the obtained insights, solution processes for a successful management of crisis situations for SME are shown.
Suggested Citation
Alexander Rauch & Christina Stadler, 2012.
"Eigenkapitalausstattung im Mittelstand: Krisenfest oder krisenanfällig?,"
ZfKE – Zeitschrift für KMU und Entrepreneurship, Duncker & Humblot, Berlin, vol. 60(4), pages 295-313.
Handle:
RePEc:dah:aeqzfk:v60_y2012_i4_q4_p295-313
DOI: 10.3790/zfke.60.4.295
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